en 
One of the methods by which the originators control the risk, is using a credit rate score system. This is a procedure of classifying every credit in different categories, based on the default probability (the probability the borrower to stop paying off their loan). All loans in iuvo have a score rate. This is needed so the credits from different originators can be compared
- DScore class D
The total amount of the loans granted by the loan originator to borrowers since its establishment
The total amount of the loans issued on the marketplace by the loan originator
In business and financing, the term “skin in the game” is used to refer to owners or principals having a significant stake in an investment vehicle, in which outside investors are solicited to invest. This is to ensure the interests of the originator and the investor in the asset are aligned, as both have a stake in the asset/ investment. On iuvo this means that every loan originator is required to keep certain percentage of each loan listed on the marketplace, which is their “skin in the game”. For example, if a loan originator issues 100 EUR loan to the marketplace and have skin in the game 30%, only 70 EUR of the loan will be available for investors to invest in. The loan originator keeps a stake of 30 EUR.
The year in which the company became profitable
About
Swiss Funds is non-bank financial institution, which operates on the Czech market. Completely digitalized, it provides its clients with short-term personal loans with one-time payment. Up to 60 seconds are needed from login in their mobile app to receiving cash. They do the risk scoring of their borrowers in an innovative way with a bigdata-driven approach. Swiss Funds is part of Orka Ventures Ltd.
"Swiss Funds chose IUVO as a partner because we see similarities between us. Both companies are rapidly advancing in their development, and both companies are focused on innovations and offering high-quality service. We believe that with IUVO, we will achieve our goals, and we will strive to meet all expectation of the investors."
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